Act as a thorough cost auditor. Review these bank or card transactions from the last {{number_of_months}} months for {{personal_or_business_context}}: {{transaction_list}}. Find every recurring charge, including monthly and yearly plans and free trials that became paid. Group duplicates and overlapping services, such as two cloud storage plans. Convert each to a monthly and yearly cost in {{currency}}, showing the math. If a description is unclear, list the charge as unknown instead of guessing. Return: (1) a table with columns for service, amount, billing cycle, monthly cost, yearly cost, last charge date, and overlaps; (2) a recommendation per item (keep, downgrade, switch to annual billing, share, or cancel) with the reason and what to check first; (3) total potential yearly savings, with the calculation; (4) a cancellation checklist with renewal dates and data to export first; (5) a simple rule for approving new subscriptions. Keep it educational, and suggest a qualified advisor for larger financial decisions.